Queens Garden at Nad Al Sheba by HMK

Payment Plan

The 60/40 payment plan at Queens Garden is structured across 4 distinct stages whose detailed breakdown reveals a financial architecture whose investor-friendliness extends well beyond the headline ratio, combining a moderate upfront commitment with a substantial post-handover spread that creates genuine cash flow efficiency across the investment’s most productive period.

20% is due on the booking date, providing the initial capital commitment required to secure a Queens Garden apartment at the most accessible configuration. 15% is paid during construction, distributed across the 1st to 3rd instalments in a structured and predictable cadence that gives buyers a specific and plannable construction-phase payment schedule rather than an open-ended series of milestone-triggered obligations. 25% is due on handover at 100% completion, which at Q4 2026 represents the moment the Queens Garden apartment is fully completed and ready to be occupied or rented. 40% is paid post-handover within 24 months, which is the payment structure’s most significant feature for the investment-minded buyer. From Q4 2026 handover, the investor has possession of the apartment, the tenant placed, and the rental income flowing, across the same 24 months that the 40% post-handover balance is being distributed. In Nad Al Sheba’s growing rental market, the monthly rental income from a quality Queens Garden apartment across this 24-month period can meaningfully offset the post-handover monthly obligation, improving the investment’s effective net cost and overall return profile in a way that conventional payment structures requiring full payment before possession cannot replicate.